C. The water is using heat to undergo a phase change and
D. The water's latent heat of vaporization is being pulled from your body.
Explanation:
As per the Thermodynamics, to attain equilibrium, the heat always travel to cold and also high energy particle moving towards the lower energy side.
Here water we pour on our self getting dried naturally before we toweling off.
It is due to the water using the heat to gradually undergo a kind of phase change and also the latent heat of vaporization is being pulled from our body.